Buy investment property using the property’s income — not yours.
The DSCR loan lets real estate investors qualify on the strength of a property’s rental income rather than personal income. Whether you’re growing a rental portfolio, adding a short-term rental, or refinancing an existing asset, it’s a fast, flexible way to finance.
Understanding DSCR
Debt Service Coverage Ratio measures a property’s rental income against its full monthly payment — principal, interest, taxes, insurance, and HOA where applicable.
- A ratio of 0 means the rent covers the payment exactly.
- A ratio above 1.0 signals positive cash flow, which can earn you better pricing and terms.
Why Buyers Choose It
- Investors building a portfolio of properties
- Self-employed borrowers with limited documented income
- Short-term rental and Airbnb operators
- Foreign nationals investing in U.S. real estate
- Anyone who wants a fast, low-documentation close
Why Investors Choose It
- No income or employment docs. No W-2s, pay stubs, or tax returns — qualification rests entirely on the property’s rental income.
- Fast closings, sometimes in as few as 10 days.
- Personal name or LLC. Works either way (investment use only).
- Broad property eligibility. Single-family rentals, short-term rentals, 2–8 unit multifamily, and select mixed-use properties.
- Room to grow. No cap on the number of financed properties.